With all those bills and the necessities of everyday life, how on earth are you able to save when you know your income is not enough to get you through the week till your next paycheck? And look at your paycheck with all those taxes – Federal, State, Social Security, Medicare – what do you get, what do you take home? Nothing much.

And when you get home, how in God’s name can you look at your kids’ faces and not be worried? How can you sleep at night?

Americans have not been known for saving their money. When I first came to the United States, I heard that America was built on spending. If you have a business or even a personal blog that you wanna make money with, you have to spend money to make money.

A time comes when you stop thinking about saving money because after expenses, there is not much left to save. More frequently, the result is you borrow money because you were not able to save and now you need money.

You rent the money knowing fully well you won’t be able to return it to its proper owner. But you have no choice. You see you have a lousy income when you look at your paycheck.

Imagine those who have lost their jobs and can’t get back to work, not even a lousy part time job. Life is so miserable for many of us. Like the saying goes there is no end in sight. There is no light at the end of the tunnel. It’s all dark. Many of us don’t see nothing.

This blog and many others as well preach to save for retirement and for a rainy day. However, there are millions of folks in the U.S. who just can’t do it. If they make it through another day, that’s more than enough for them.

Most of them worry about today. They ain’t worried about retirement because they know they have nothing to retire on.

I’ll leave the light on for you…

I hope folks who have not been able to get a job after some years now will get the job.

Maybe not of their first choice but a job nonetheless to get them through the hard times they are going through.

In a Nutshell
Some day, you will get out of this rat hole. Some day.

This post is dedicated to my 60s friend who at the age of 58 lost his job two-and-a-half years ago and haven’t been able to get back to work.

Now he is thinking about applying for social security at age 62 if he doesn’t get a job by then.